but, dad, you've got... [ voice of dennis ] allstate. with accident forgiveness, they guarantee your rates won't go up just because of an accident. smart kid. [ voice of dennis ] indeed. are you in good hands? >>> at the top of the show, we asked you, why are you awake? producer john tower has at least one answer. >> we have carol in from gree greensbo greensboro, north carolina. i love the show. i've been an early riser forever. as long as i'm up, i might as well watch the news and learn something. so here i am watching cnbc. >> rub your eyes and grab the coffee because i am on msnbc. stay tuned because "morning joe" starts right now. >>> there's a lot of tragedy here. there's a lot of sorrow here. but the thing i am most sad of, sad about, is -- sorry -- that the single most trusting human being i've ever met will never be able to trust in the same way again in his life. that's an incredible tragedy. >> oh, dear lord. >> i am completely confused. >> oh, dear lord. >> top of the hour, 6:00 on the east coast. good morning. it's thursday,